Side-by-side · Q2 2026 data
Usne Penitentiary Employees Federal Credit Union vs Palco Federal Credit Union
Credit union
Usne Penitentiary Employees Federal Credit Union
Lewisburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Usne Penitentiary Employees Federal Credit Union | Palco Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 87 (stronger) |
| Capital cushion | 64 | 81 (stronger) |
| Loan quality | 87 | 93 (stronger) |
| Earnings | 33 | 71 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 44th | 91st |
| Total assets | $14.9M | $109.3M |
| Deposits / shares | $13.2M | $97.1M |
| Capital ratio | 11.42% | 13.10% (stronger) |
| Problem loans | 0.40% | 0.20% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.34% | 1.28% (stronger) |
| Loans ÷ deposits | 37.8% (stronger) | 49.1% |
| Uninsured deposits | 0.0% (stronger) | 4.8% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Palco Federal Credit Union has the higher TellerScore (87 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Usne Penitentiary Employees Federal Credit Union leads on 3 and Palco Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.